Important: Fluent Money no longer offers unsecured loans. This review looks at Fluent Money secured loans. Compare alternative personal loans.
Using a credit broker to help you find a loan has many benefits. Perhaps the biggest is that they can do a lot of the hard work for you by searching the market and looking for the deal that best matches your requirements. For this reason, using a credit broker can be particularly beneficial if you have a poor credit score, as your broker will know which lenders are more likely to accept your application.
However, before using a credit broker, it’s crucial to understand exactly what fees you’ll pay for using the service. Some brokers are paid a commission by lenders, but others charge a fee. You should also check that your chosen broker is authorised. Legitimate credit brokers are authorised and regulated by the Financial Conduct Authority (FCA) and listed on the Financial Services Register. All their communications with you should make it clear they are a credit broker, not a direct lender.
This review looks at broker Fluent Money.
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Who is Fluent Money?
Fluent Money is a credit broker mostly known for secured loans. Fluent Money Group was founded in 2008, with Fluent Loans being launched in 2015. The group has been backed by Beech Tree Private Equity since February 2016.
In July 2017, Fluent acquired a mortgage brokerage, Brytannic Extra Finance, which was later renamed Fluent Mortgages. A year later, Fluent Lifetime launched a handful of lifetime mortgage lending products.
Most recently, Fluent Money Group was acquired by mortgage broker Mortgage Advice Bureau.
What types of loans does Fluent Money offer?
Fluent Money only offers secured loans – it does not offer unsecured loans. Secured loans enable you to borrow a lump sum that must be repaid in monthly instalments over a fixed term, with interest added on top.
A secured loan must be backed by something you own (an asset), usually your home, but it could also be your car. Because of this security, you can usually borrow a larger sum compared to an unsecured loan – with Fluent, you can borrow from £10,000 to £1,000,000. You can borrow over a longer time frame of 3 years to 30 years, too, but you’ll pay more in interest overall. You can also apply if you have a history of county court judgements (CCJs), arrears or defaults.
However, bear in mind that because you must secure your loan against an asset, that asset will be at risk if you cannot keep up with your loan repayments. This means your lender has the legal right to take possession of it if you default on your loan. If you’ve used your home as security, you risk losing the roof over your head.
Pros and cons of Fluent Money personal loans
- Fluent can help you compare your options to find the best solution
- You may be able to borrow even if you have a poor credit score
- Option to follow the progress of your application with the Fluent app
- Secured loans enable you to borrow larger sums over a longer time frame
- Funds can be used for almost any purpose
- Your home is at risk if you can’t keep up with your repayments
- No option to take out an unsecured loan
- Fluent only has access to a panel of lenders, not the whole market
- Fees may apply for the broker service, depending on your circumstances
Fluent Money customer reviews
Fluent Money scores highly on Trustpilot, with a rating of 4.8 out of 5 based on more than 4,900 reviews (updated July 2023). This is considered an “excellent” rating overall.
A total of 93% of customers gave Fluent Money an “excellent” rating, with positive comments focusing on the helpful and knowledgeable customer service team, as well as the easy, quick and smooth process.
However, a few customers commented on poor and slow customer service.
Fluent Money customer support
You can contact Loans Warehouse customer services through their website’s email contact form.
Other UK secured loan brokers
If you’re not sure whether you want to choose Fluent Money, other UK secured loan brokers to consider are:
- Loans Warehouse. Offering help with secured loans, personal loans, guarantor loans, short-term loans, bridging loans and business loans. Read our Loans Warehouse review here.
- Loan.co.uk. Offering help with secured loans, personal loans and bridging loans.
- Lending Expert. Offering help with secured loans, personal loans, business loans, guarantor loans, short-term loans, bridging loans and car finance.
If you’re looking to borrow money through a loan but aren’t sure where to start, Fluent Money can be an easy way to help find the right loan for you. If your credit score is low or you’ve had trouble getting access to credit in the past, using a credit broker such as Fluent Money is definitely worth considering, as it can help you find a lender that will accept your application.
However, the downside is that Fluent Money only offers secured loans rather than unsecured options. And while secured loans enable you to borrow a larger sum for a longer period, you’ll also be putting your home (or other asset) at risk, so it’s not a decision to be made lightly. If you plan to go down this route, make sure you understand exactly what fees you’ll need to pay and have a plan in place to repay your loan in full and on time.
Frequently asked questions
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